Better benefits, lower rates: Moving to a care-based insurance model A paper detailing government’s intended changes at ICBC For discussion and consultation purposes only February 2020 Table of Contents Executive Summary . 1 Overview . 2 Reducing Legal Costs . 2 Accountability for ICBC . 3 Accountability for dangerous drivers . .. 3 B C. ’s. insurance system today . 4 Coverage . 4 If you are not at fault . 4 If you are at fault . 4 Getting a lawyer . 5 New Enhanced Care coverage . 6 Care after a crash . 6 Comparing Accident Benefits . 7 Injury management . 9 Income replacement . 10 Full, part-time and temporary earners, including self-employed . 10 Caregiver weekly benefit – NEW . 11 Unemployed . 11 Other income replacement sources . 11 Residual earning capacity . 11 Unemployable—the claimant was not able to work before the crash .. 12 Family business – NEW . 12 Injured students and minors – NEW . 12 Medical and rehabilitation benefits . 13 Personal care assistance . 13 Care expense reimbursement . 14 Recreational – NEW . 14 Travel and accommodation – NEW . 14 Permanent impairment compensation – NEW . 14 Catastrophic injuries . 15 Transitional expense – NEW . 15 Death benefits . 16 Funeral expenses . 16 Grief counselling – NEW . 16 Optional coverages for accident benefits . 17 Drivers still held accountable . 17 Ensuring fairness and resolving disputes without legal action . 18.